SARS-CoV-2 and civil authority orders do not constitute physical loss under business interruption insurance.
The appellants, small and mid-size businesses, appealed a class action decision regarding business interruption insurance claims stemming from the COVID-19 pandemic.
They sought coverage for revenue losses, arguing that the presence of SARS-CoV-2 or civil authority orders constituted "physical loss or damage" to their property under their insurance policies.
The Court of Appeal upheld the trial judge's finding that neither the virus's presence nor the civil authority orders met the "physical loss or damage" criteria for business interruption coverage.
The appeal was dismissed, and costs were awarded to the respondents.
The court certified a class action on consent against a bank for charging duplicative NSF fees.
The plaintiff sought to certify a class proceeding against the defendant bank, alleging breach of contract and unjust enrichment due to the bank's practice of charging duplicative non-sufficient funds (NSF) fees on re-presented pre-authorized debits.
The motion for certification was brought with the defendant's consent.
The court applied the five-part test under section 5(1) of the Class Proceedings Act, 1992, finding that the pleadings disclosed a cause of action, there was an identifiable class, common issues were raised, a class proceeding was the preferable procedure, and the representative plaintiff was adequate.
The court granted the certification order.
The Court of Appeal affirmed the denial of class certification for claims regarding contaminated valsartan, holding that increased risk of cancer and transient psychological distress are not compensable injuries in tort.
The appellants sought to certify a class proceeding against pharmaceutical companies for negligently manufacturing valsartan, alleging contamination with NDMA and NDEA, which are potential carcinogens.
The claim was for damages related to an increased risk of cancer, costs of medical services and monitoring, refunds for drugs, and psychological damages.
The motion judge dismissed the certification, finding no viable cause of action based on concrete injury.
The Court of Appeal dismissed the appeal, affirming that claims for genotoxic injury (molecular changes without perceptible effect), psychological harm (not meeting the 'serious and prolonged' or 'ordinary fortitude' thresholds), and pure economic loss (as the product was discarded and not imminently dangerous) were not compensable in tort.
The court also upheld the dismissal of claims for battery, consumer protection breaches, Competition Act breaches, and unjust enrichment, concluding that the pleadings did not disclose viable causes of action or meet commonality criteria for certification.
The court approved identical third-party funding agreements in four related class actions against major banks.
The Superior Court of Justice approved identical third-party funding agreements in four related class actions against major Canadian banks.
The actions allege that the banks charged duplicative non-sufficient funds fees on single dishonoured pre-authorized debits.
The court, applying Section 33.1 of the Class Proceedings Act, 1992, found the agreements to be fair and reasonable, noting the staged success fee was comparable to or more advantageous than the Class Proceedings Fund levy.
The court confirmed the agreements preserved plaintiff control over litigation, ensured the funder's financial capacity for adverse costs, and included appropriate confidentiality and deemed undertaking provisions.
The defendants took no position on the motions.
Opioid class action claims against distributors struck; claims against manufacturers struck with leave to amend.
The plaintiff brought a proposed class action against numerous pharmaceutical manufacturers and distributors regarding the marketing and sale of opioids in Canada.
The defendants moved to strike the statement of claim for failing to disclose a reasonable cause of action, and one defendant, Pro Doc Limitée, moved to dismiss the action against it for lack of jurisdiction.
The court granted Pro Doc's jurisdiction motion, finding no real and substantial connection to Ontario.
The court struck the claims against the distributor defendants without leave to amend, finding no viable cause of action.
The court found that while there were viable causes of action against the manufacturer defendants for breach of the Competition Act, negligent misrepresentation, fraudulent misrepresentation, and failure to warn, the plaintiff's pleading was defective.
The court struck the claims against the manufacturer defendants with leave to amend to join representative plaintiffs for each defendant group and to comply with the rules of pleading.
The court adjourned a motion to approve a third-party funding agreement to allow the parties to address defendants' objections regarding confidentiality and attornment.
The plaintiff, Dr. Darryl Gebien, sought court approval for a Third-Party Funding Agreement with Omni Bridgeway Ltd. for a proposed class action against numerous pharmaceutical companies regarding the opioid crisis.
Several defendants objected to specific provisions of the agreement, including those related to amendments, assignments, attornment, costs enforcement, termination procedures, accrued costs, and confidentiality.
The court found that while the agreement generally met the requirements for approval, several of the defendants' objections, particularly concerning comprehensive attornment by Omni Bridgeway Ltd. and the broad confidentiality provisions, were "genuinely meaningful" and required resolution.
The motion for approval was adjourned to allow the parties to address these issues, with the court emphasizing that it is not its role to draft the agreement.
COVID-19 and related government lockdown orders do not cause physical loss or damage to property under business interruption insurance policies.
The plaintiffs, representing a class of small to medium-sized businesses, sought coverage under their business interruption insurance policies for losses sustained due to the COVID-19 pandemic and related civil authority orders.
The court held a common issues trial to determine whether the presence of the SARS-CoV-2 virus or government lockdown orders could cause 'physical loss or damage to property' within the meaning of the policies.
The court concluded that the virus does not physically alter or damage inanimate surfaces, and that the loss of use of the premises due to government orders does not constitute physical loss or damage.
Consequently, the court answered the certified common issues in the negative, finding no coverage under the business interruption provisions.
The Court of Appeal affirmed the dismissal of a Norwich order application, finding pre-action discovery unnecessary as the appellant had sufficient information to commence its class action.
The appellant, Bluemoon Capital Ltd., appealed the dismissal of its application for a Norwich order and the quashing of a Rule 39.03 notice of examination.
The appellant, a shareholder of Ceridian HCM Holding Inc., sought pre-action discovery regarding the alleged undervaluation of LifeWorks Corporation Ltd. shares during Ceridian's 2018 distribution and subsequent sale to Morneau Shepell.
The application judge dismissed the Norwich order, finding it unnecessary and not in the interests of justice, and quashed the notice of examination as moot.
The Court of Appeal found no reversible error, affirming the application judge's discretionary decision that the appellant had sufficient information to commence its class action and that the Norwich order was not sought for a legitimate purpose.
The appeal was dismissed with costs awarded to the respondents.
Class action for contaminated valsartan dismissed as law does not compensate for mere increased risk of harm.
The plaintiffs sought to certify a class action against the defendant pharmaceutical companies for manufacturing and distributing valsartan contaminated with NDMA and NDEA, which are probable human carcinogens.
The plaintiffs claimed damages for psychological harm and pure economic losses (medical bills, medical monitoring, refunds, and wasted pills) arising from the increased risk of being diagnosed with cancer, but explicitly did not claim damages for actually developing cancer.
The court dismissed the certification motion, finding that the law does not recognize a cause of action for the mere creation of risk or for pure economic loss from shoddy but not imminently dangerous goods, and therefore the claims failed to satisfy the cause of action, common issues, and preferable procedure criteria.
Court approved settlement dismissing delay motions and applying amended Class Proceedings Act to opioid class action.
The defendants in a proposed opioid class action moved to dismiss the proceeding for delay under s. 29.1 of the Class Proceedings Act, 1992.
In response, the plaintiff brought a cross-motion for a nunc pro tunc timetable order and commenced parallel proceedings in Manitoba.
The parties reached a settlement wherein the competing motions were dismissed without costs, the Manitoba proceedings would be discontinued, and the Ontario action would be deemed commenced on October 2, 2020, making it subject to the amended certification test under the Smarter and Stronger Justice Act, 2020.
The court approved the settlement and issued the consent orders.
Motion for joint adjudication of overlapping COVID-19 business interruption insurance claims dismissed to preserve individual plaintiffs' rights.
The defendants in a certified class action regarding COVID-19 business interruption insurance claims brought a motion seeking joint adjudication and common case management of common questions across approximately 79 overlapping proceedings.
The motion was opposed by several plaintiffs in individual actions who wished to proceed independently.
The court dismissed the motion, affording deference to a prior case management decision that declined to stay the individual actions, and finding that forcing joint adjudication would inappropriately undermine the plaintiffs' right to opt out of the class proceeding and cause undue delay.
Norwich order for pre-action discovery denied as applicant lacked legitimate objective and necessity.
The applicant sought a Norwich order for pre-action discovery against the respondents to obtain documents relating to a corporate distribution and subsequent acquisition.
The respondents brought motions to quash a notice of examination and for a sealing order over confidential tax information.
The court dismissed the application for a Norwich order, finding the applicant had sufficient information to commence its claims and lacked a legitimate objective.
The court granted the sealing order to protect highly sensitive tax information and quashed the notice of examination as an abuse of process.
Proposed class action regarding recalled drug Valsartan dismissed on consent without costs.
The plaintiff sought court approval to dismiss his proposed class action regarding the recalled drug Valsartan.
Following a carriage agreement with another class action and discovering that one defendant did not manufacture the active ingredient, the plaintiff sought to dismiss the action against all defendants without costs.
The court approved the dismissal under section 29 of the Class Proceedings Act, 1992, finding no prejudice to putative class members as other actions were proceeding across Canada.
Costs of $35,000 awarded to successful plaintiffs following dismissal of defendants' stay motion.
Following the dismissal of the defendant insurers' motion to temporarily stay 17 individual actions pending the determination of certification in a class proceeding, the successful plaintiffs sought costs on a partial indemnity scale.
The plaintiffs requested $86,589, which the court found excessive for a relatively simple stay motion.
Applying the factors in Rule 57.01(1) and considering proportionality, the court fixed costs at $35,000 all-inclusive, payable by the defendant insurers.
Summary judgment granted dismissing claim for demutualization benefits as plaintiffs' policy was lawfully not renewed.
The plaintiffs sued their former insurer, Economical, and a related foundation, claiming entitlement to demutualization benefits after Economical declined to renew their home insurance policy due to their claims history.
The defendants moved for summary judgment.
The court granted the motion and dismissed the action, finding that the plaintiffs were not eligible policyholders on the crystallization date for demutualization benefits.
The court also held that Economical had no duty to warn the plaintiffs about its internal underwriting guidelines or to renew the policy, and that the claim was statute-barred as it was commenced outside the two-year limitation period.
Motion to stay individual business interruption insurance actions pending class certification dismissed due to prejudice.
The defendant insurers brought a motion to temporarily stay 17 individual actions for COVID-19 business interruption losses pending the certification of a related class action.
The court dismissed the motion, finding that while there was overlap in issues and facts, staying the individual actions would cause significant injustice and prejudice to the plaintiffs, who had legitimate reasons for pursuing their claims individually and expeditiously.
The Court of Appeal affirmed that the Licence Appeal Tribunal has exclusive jurisdiction over statutory accident benefits disputes, barring class actions against insurers.
This appeal concerned proposed class actions against auto insurers for improperly deducting HST from statutory accident benefits (SABs) and against the Financial Services Commission of Ontario (FSCO) for alleged regulatory failures.
The motion judge had dismissed claims against insurers due to the exclusive jurisdiction of the Licence Appeal Tribunal (LAT) under s. 280 of the Insurance Act, but allowed claims against FSCO to proceed.
The Court of Appeal upheld this decision, confirming the LAT's exclusive jurisdiction over SAB disputes and affirming the court's jurisdiction over tort claims against the regulator.
The court also refused leave to appeal the motion judge's costs order, finding it within his discretion.
The Court of Appeal dismissed the appeal, finding the appellant's new claim for fraudulent misrepresentation was statute-barred and appropriately decided on a Rule 21.01(1)(a) motion.
The appellant sought to bring a Canadian class action against the respondent BP p.l.c. for securities misrepresentations.
His 2019 amended statement of claim, which introduced a claim for fraudulent misrepresentation, was struck out by the motion judge as statute-barred under the Limitations Act, 2002.
This appeal addressed four key issues: the elements of a "claim" for fraudulent misrepresentation under the Limitations Act, the appropriateness of the motion judge's factual findings regarding discoverability based on U.S. litigation, whether the fraudulent misrepresentation claim was a new claim or an alternative theory, and the propriety of deciding a limitations issue on a Rule 21.01(1)(a) motion.
The Court of Appeal dismissed the appeal, finding that while the motion judge erred in his discoverability analysis and reliance on U.S. pleadings, the fraudulent misrepresentation claim was indeed a new, statute-barred claim, and the limitations issue was appropriately decided on a Rule 21.01(1)(a) motion due to undisputed facts.
Court awards $28,000 in costs to successful insurers, rejecting their $620,000 claim as preposterous.
Following a jurisdiction motion where the defendant insurers successfully argued that the court lacked jurisdiction over the proposed class actions, the insurers sought costs of approximately $620,000.
The court found this request preposterous and excessive, fixing costs payable by the plaintiffs to the 13 non-settling insurers at $28,000 on a partial indemnity basis.
The costs payable by the government regulator to the plaintiffs were settled at $12,500.
Class actions against auto insurers for HST deductions dismissed for lack of jurisdiction; LAT has exclusive jurisdiction.
The plaintiffs filed proposed class actions against 15 auto insurers and the provincial regulator, FSCO, alleging improper deduction of HST from statutory accident benefits.
The defendant insurers brought motions to dismiss the actions for lack of jurisdiction, arguing the Licence Appeal Tribunal (LAT) has exclusive jurisdiction over such disputes.
The court agreed, dismissing the actions against the insurers and refusing to approve two early settlements, as the claims fell squarely within the LAT's exclusive jurisdiction under s. 280 of the Insurance Act.
However, the court found it had jurisdiction to hear the claims against FSCO for regulatory negligence, as those allegations did not directly concern benefit entitlements or amounts.